Windsor Heights at a glance
- Population: about 339 residents, ranking 174th of 230 Census places in West Virginia (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 360 residents here (US Census Bureau).
- 2020 to 2023 change: about 5.8% lower than the 2020 Census base (US Census Bureau).
- Rank among West Virginia places: 174th-largest of 230 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 24% of places in West Virginia rank below it by population (US Census Bureau).
- Coordinates: 40.1913 / -80.6647, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Rayland, OH (2 mi); Tiltonsville, OH (2 mi); Beech Bottom, WV (2 mi); Yorkville, OH (3 mi); Clearview, WV (4 mi) (US Census Bureau).
- Smaller towns nearby: New Alexandria, OH (7 mi); Valley Grove, WV (9 mi); Harrisville, OH (12 mi) (US Census Bureau).
What a personal loan costs in Windsor Heights
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
West Virginia lending rules that apply in Windsor Heights
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 31% per year on unsecured loans of $3,500 or less; 27% on $3,500–$15,000; 18% above $15,000 (W. Va. Code § 46A-4-107) Source says: the loan finance charge, calculated according to the actuarial method, may not exceed 31 percent per year | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
| Payday lending status | Traditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A Source says: Traditional "Payday Lenders" are generally prohibited within this state. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated consumer lender license required from the Commissioner (W. Va. Code § 46A-4-101) Source says: Unless a person has first obtained a license from the commissioner authorizing the person to make regulated consumer loans | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
| State lending regulator | West Virginia Division of Financial Institutions (WV DFI) Source says: The West Virginia Division of Financial Institutions is charged with the regulation and supervision of financial institutions chartered by the State of West Virginia. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
How to compare offers in Windsor Heights
The order below is a sensible way to approach a loan in Windsor Heights:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in West Virginia using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.